Bhabishyat Credit Card Scheme 2023 ~ Online Apply, Interest Rate

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The Bhabishyat Credit Card Scheme is an innovative program introduced by the West Bengal state government, providing loans of up to Rs. 5 lakh. In this scheme, the state acts as a guarantee for upcoming projects. This presents an excellent opportunity for individuals aspiring to start their own business. Starting from 2023, applicants can conveniently apply for the program online. To gain a more comprehensive understanding of the Bhabishyat Credit Card Scheme, please refer to the article below.


WB Bhavishyat Credit Card Scheme Details in Highlights

Name of the SchemeBhabishyat Credit Card Scheme
DepartmentDepartment of MSME&T
Initiated byState Government of West Bengal
BeneficiaryEntrepreneur/ Business Owner
ObjectiveTo Provide Loan up to Rs.5 Lakh
Scheme Date1 April 2023
Applying ModeOnline
Official Websitehttps://bccs.wb.gov.in/

Bhabishyat Credit Card Scheme 2023


The Bhabishyat Credit Card Scheme 2023, also known as the program, was unveiled by Mamata Banerjee, the Chief Minister of West Bengal, during the budget presentation. This initiative aims to provide financial assistance to individuals with limited resources and support upcoming state projects. With the government acting as a guarantee, individuals can obtain loans without the need for collateral or security.

Objectives of Bhabishyat Credit Card Scheme

The objective of the program is to provide eligible participants with credit cards that can be used to apply for loans for various purposes, including starting a new business, expanding an existing one, or fulfilling other financial obligations.

  • The programme attempts to encourage teenagers in the state to pursue self-employment opportunities.
  • Starting a business can be profitable and a source of income.
  • Many people want to launch their own enterprises, but often lack the resources to do so.
  • To solve this issue, the West Bengal state government is currently providing loans.
  • Since the government will serve as a guarantor under the system, loans can be disbursed without the need for a guarantee.

Eligibility Criteria for Bhabishyat Credit Card Scheme

Following are the eligibility criteria for Bhabishyat Credit Card Scheme.

  • This programme is only open to permanent West Bengal residents.
  • The programme is intended for those who need financial support and desire to launch their own business.
  • The applicant is required to submit all required scheme-related papers.
  • An authentic certificate from the applicant is required.
  • The following documents must be submitted with the application: Adhar Card, Ration Card, Permanent Account Number (PAN) Card, and Photograph.
  • The application form must have accurate contact details.

Documents Required

Following are the documents required for Bhabishyat Credit Card Scheme

  • Bonafide certificate of West Bengal
  • Business Performa
  • Loan documents
  • Aadhar Card of the applicant
  • Copy of ration card
  • Copy of the PAN Card of the applicant
  • Recently clicked passport-size photograph
  • Contact information, including mobile number

Online Application Process of Bhabishyat Credit Card Scheme

Follow the steps below to apply for Bhabishyat Credit Card Scheme.


  • Visit the official website of the scheme.
  • For the Bhabishyat Credit Card Scheme, look for the link to the online application.
  • To access the Bhabishyat Credit Card Scheme application form, click the link.
  • Download the form, then begin filling it out with the necessary information.
  • Make sure to include precise contact details.
  • A bonafide certificate from West Bengal, a business proforma, loan documents, a copy of an Aadhar card, a copy of a ration card, a copy of a pan card, and a recently taken passport-size photo should all be included with the application form.
  • Send the bank the completed application form together with all the required documents.
  • If you meet the requirements, the bank will review your application and issue you a credit card worth Rs. 5 lakh.

Note: To qualify for the Bhabishyat Credit Card Scheme, only one member of each family may apply, and candidates must have lived in West Bengal for the previous ten years.

Offline Application Process for Bhabishyat Credit Card Scheme

The scheme can be applied for by filling out an offline application form. Below is the step for filling the offline application.

  • The Department of MSME&T Office has the West Bengal Bhabishyat Credit Card Offline Application Form accessible.
  • Take the application form, and accurately fill it out.
  • Include with it all the necessary documentation.
  • Deliver the West Bengal Bhabishyat Credit Card Scheme Offline Application Form and all supporting documentation to the District Office of the Department of MSME&T.
  • The Department Officers will verify the received Application Forms and the supporting documentation.
  • After that, you can pick up your card by going to the Department of MSME&T Office.

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